I am in a Chapter 13.
Last year I noticed our mortgage holder did not apply payments to our escrow account but was too sick to contest the issue.
This year, we were suppose to pay in $805.00 but instead paid in $900.00. The surplus was suppose to go to our escrow account but for 10 out of 12 months, it didn't. And for the 2 months it did go to our escrow account, the amounts were wrong. How they got those figures, I can't ascertain nor can they.
We received our new coupon book for next year and instead of paying in less - we are scheduled to pay in more. Yes I realize that the escrow pays the taxes and the insurance and yes they did go up a little bit but with the extra we paid into the escrow account, we should be paying less to the escrow account next year.
Not so claims our mortgage holder. I called them and they claim because we are in a Chapter 13, the extra money 'just disapears'.
So what reporting agency do I contact to get this matter corrected? Is there a Federal agency that overseas the escrow account? We are in Arizona and it appears our mortgage holder is in Florida. I did check with the Florida agency that handles and overseas mortgages but their website does not contain our mortgage holder nor their parent company. Any suggestions?
Last year I noticed our mortgage holder did not apply payments to our escrow account but was too sick to contest the issue.
This year, we were suppose to pay in $805.00 but instead paid in $900.00. The surplus was suppose to go to our escrow account but for 10 out of 12 months, it didn't. And for the 2 months it did go to our escrow account, the amounts were wrong. How they got those figures, I can't ascertain nor can they.
We received our new coupon book for next year and instead of paying in less - we are scheduled to pay in more. Yes I realize that the escrow pays the taxes and the insurance and yes they did go up a little bit but with the extra we paid into the escrow account, we should be paying less to the escrow account next year.
Not so claims our mortgage holder. I called them and they claim because we are in a Chapter 13, the extra money 'just disapears'.
So what reporting agency do I contact to get this matter corrected? Is there a Federal agency that overseas the escrow account? We are in Arizona and it appears our mortgage holder is in Florida. I did check with the Florida agency that handles and overseas mortgages but their website does not contain our mortgage holder nor their parent company. Any suggestions?
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